A New Fitness Regimen We Should All Have

Sometimes, there are things we know we should do but put off again and again.  We always have excuses. We have more urgent things to do. There are more important things that require our attention. I am so guilty of this! (Although I really have my hands full right now! Promise!)

One thing that I have been putting off was starting my journey to financial freedom. Last June (my goodness! That was months ago!), I received a financial journal from Avida Land.  I did browse through it when I first got it but never took time to really delve into it. I realize now I should have made time for it sooner!

 photo PhotoGrid_1474510779937.jpg

The journal includes very specific actions we can take on our path to financial freedom.  It starts with a guide on how to determine whether you are financially fit.  Once you have figured out where you are financially, you are then guided on how to make your own roadmap.  It also lists several investment options and advice on how to choose which one is most suitable for you.  As you go through the journal, you are encouraged to make a commitment to achieve your long-term financial plans.

 photo PhotoGrid_1474510839787.jpg

Taking the First Step

As with everything we do in life, it all begins with the first step we take.  In this road, our first step is to determine where our finances lie by creating a Cash Flow Statement and a Statement of Assets and Liabilities. Sounds daunting, right?! Good thing the Avida financial journal has made this easy by providing step-by-step instructions on how to make them.  What wasn’t so easy was finding out that we’re not in such a good state.

Thus, I now feel compelled to start a new fitness regimen – a financial fitness regimen!

 

What I Should Do!

The same way we discipline ourselves in the way we eat or exercise, we must also learn how to discipline ourselves financially.  This is my focus now.  We really don’t spend much on unnecessary material things and don’t splurge on expensive branded clothes and accessories, but we do spend a lot on food and leisure activities. Before I move forward to finding investment options, we must make sure we have enough to invest in them.  So, this is my  mantra now:  SPEND LESS THAN WHAT YOU EARN

 photo PhotoGrid_1474510667316.jpg

By cutting down on some unnecessary expenses and going back to our habit of setting aside a portion of our income, I think we could get back on track soon.

My Fitness Regimen

So far, here’s what I’m committing to do:

  1. Allot a portion of our income to savings. Set them aside right away!
  2. Eat out less often.
  3. Make a budget and stick to it!
  4. Do a weekly review of expenses.
  5. Find other sources of income. (business ideas anyone?)

With my new financial fitness regimen, who knows, maybe we could have more than enough for that dream house we’ve been pining for.

 photo PhotoGrid_1474510717633.jpg

Easy Ways for Moms to Make Money from Home

As a stay at home mom, you know that taking care of your little ones is a full-time job. However, it can sometimes be challenging to cover all of your expenses on one income. If you are looking for some extra cash, you don’t have to leave your baby and head back into the workforce. Instead, try out some of these ways to make money from home.

Offer Babysitting Services

You’re already spending time at home with your kids, so you might want to consider watching other children in your home, too. Some moms choose to open home day cares to do this full-time, but you can also choose to babysit for just a few hours each week. Your children will enjoy having extra companions to play with, and you can earn some extra cash by playing games, making snacks and ensuring that everyone gets a good nap.

Kids Handprint Indicates Colourful Children And Human Stock Image

[Read more…]

How Can I Keep My Business In A State Of Constant Growth?

Although most business owners want their companies to remain in a state of perpetual growth, there are typically at least a few periods in which sales and expansion come to a frustrating plateau. During these times, it’s important for you to utilize growth strategies to ensure that your company keeps moving forward. Here are three expansion techniques that can help make it happen:

1. Optimize Your Broadband Products And Services

These days, many if not most businesses make at least some use of the Internet. As such, it’s very important that your internet access is faster than the traditional dial-up access. To make it happen, you should find a company that can provide you with excellent broadband products like the hybrid combiner. To ensure that you find the right company, make sure that the team of professionals you select have extensive industry experience. Werlatone is a broadband company that has been in operation since 1965.

2. Enhance Your Internet Presence

In addition to optimizing your broadband products and services, make sure that you get in the habit of enhancing your Internet presence. This strategy is powerful because it will enable you to demonstrate the value and power of your brand to Internet audiences across the globe. The best way to attain an optimized Internet presence is through the use of professional digital services. Industry experts are skilled in utilizing customized, cutting edge marketing services to help you connect with and then convert members of your target audience. Some of the digital services industry professionals can offer you include web design and development, search engine optimization, online reputation management, social media optimization, and responsive web design.

3. Develop A Strategic Plan

Planning is oftentimes the key to success in life, and this principle holds true for the world of business. As such, it’s important for you to take time to develop a strategic plan that outlines your business mission, goals, and how you will accomplish your central objectives. There are many components that your strategic plan could include, and which elements you incorporate should be contingent upon your distinct needs. For example, some businesses find it helpful to include a section where they list their SWOT (Strengths, Weaknesses, Opportunities, and Threats.)

If you’re serious about ensuring that your business overcomes plateaus and keeps a trend of constant growth, now is the time to make it happen. Utilize the growth principles and procedures outlined above to keep your business in a state of constant expansion.

Teaching more than ABCs at ABC360

In my previous post, I have shared information about the application process in three different online English schools.  I’ve also mentioned that I opted to work for ABC360 because they offered me the highest hourly rate.  I have been working for them on a part-time basis for five months now and am quite satisfied with it.

ABC360 ad

Flexible and Convenient Work Hours

My usual working hours are from 8:00 to 12:00 in the evening.  My kids sleep at around 7 pm so this gives me ample time to review the materials and prepare my work area.  Sometimes, I would also open classes from 12:00nn to 2:00pm when the kids are in school.  The flexible working hours make it very convenient for a mom like me whose schedule revolves around the kids’ schedules.

In ABC360, we plot our own schedules a week in advance so I can opt to just open a couple of hours a day when I expect a busy week. I can also opt not to open classes on certain days such as birthdays, holidays and school breaks.

Stress-Free Work

Preparing for my classes is stress-free as I only need to turn on my computer, log-in to my accounts, set my webcam, and make myself presentable.  Sometimes, I would put on a little makeup but most of the time I just put on a bit of powder and a dab of tinted lip balm.

During my first month, I would prepare my own guide so I could properly conduct classes without missing any of the slides or going beyond the set duration.  But once I got the hang of it, I would just go over the teacher’s copy of the materials before I start my shift. The teacher’s copy has a script you could follow so there really shouldn’t be any problem conducting classes.

A class lasts 17 minutes but most students book two consecutive classes for a total of 34 minutes.  At first, it was a challenge to budget the given time but as I got more familiar with the lessons and the students, it became easier to adjust the pace according to their levels.

After each class, we are required to make a memo for each class.  We are to provide words and phrases that the students need to review after class and some feedback if there are any.  Accomplishing the memo should take only about 3 minutes for one class.  However, I usually take much longer than that.  Sometimes, I provide additional exercises for the students.  So, I finish all my memos at the end of my shift or the following morning.

Making Friends

In the five months that I have worked for ABC360, some of my students have become more like friends.  Most of my students now have been with me since I started and I talk to them on a daily basis. We have gotten to know each other more.  Our lessons are often interspersed with news about their work, their children, or their family.  They share stories about their vacations and accomplishments in school or at work.  One student even asks me for advice about her love life and her lack of fulfillment at work.

These conversations are definitely what I look forward to the most. Aside from helping them be more proficient in English, I also get to be a dear friend to them.

ABC360 with headset

So, What’s the Pay?

I know you’re all itching to know how much the pay is!  As I mentioned in my previous post, it really doesn’t pay much but it is enough to cover basic living expenses. Besides, work is stress-free that it doesn’t seem like work at all.  For me, at least, it’s like having a hobby that earns you income.  Those who can work 4hrs/day, 5 days/week, can earn around 10K.

Online teaching has become my respite from my daily routine at home.  Before becoming an ABC360 teacher, my evenings were just usually spent watching teleseryes or writing blog posts.  Now, I get to do something more fulfilling and earn money at the same time.

ABC360 has made it possible for a simple housewife like me to have a fulfilling career as a teacher while taking care of my two kids at home.  Did I mention that we don’t have any house help and are homeschooling this school year?  Yes, that’s true! And yes, it is possible to earn your own income even if you are just a stay-at-home mom.

ABC360 with kids

#####

For more information about ABC360, you may reach them thru

 

Earn from Home: Teaching English Online

I’ve been seeing a lot of ads online offering various opportunities to earn from home but have never attempted to check any of them out because I’m quite wary of internet scams. However, last October, I found out that Mommy Mitch of When Silence Speaks started working as an online English teacher at ABC360.  After chatting with her, I was keen on giving it a try.  And since I’ve already updated my resume, I decided to apply to two other companies as well – 51Talk and RareJob.  The application process and job requirements of all three companies were basically the same.  For those who are considering teaching English online, here’s a rundown of their requirements and salary range.

What does an online teacher do?

Teach, of course. 🙂  As an online English teacher, you will conduct one-on-one lessons thru Skype, QQ, or other similar platforms.  All three companies provide all the lesson materials that will be used in each class.  You just need to download and review the materials before conducting the class.  During class, you go through the materials and ensure that the student understands the lesson. Class duration varies in each company.

TE duration

What are the requirements for teaching English online?

For all three companies, a good command of English is imperative.  You must be able to work with minimal supervision and be able to manage your working schedule.  They do not usually require any previous experience teaching online but having online teaching and BPO experience gives you an edge.  You also do not need to have a degree in college.  Those who are working their way through college may find this a good opportunity to earn while studying.

Aside from being proficient in English, you must also have a decent and reliable home office.  This doesn’t have to be really fancy.  Mine is just a desk tucked in the corner of our bedroom.  You do need to have the following though:

  • a wired connection (at least 1mbps for some companies but ideally 3mbps or higher)
  • a dual core processor or above
  • Windows 7 or above
  • at least 2GB of RAM
  • a headset with noise cancelling feature
  • an HD webcam

TE requirements

How much do I earn?

Personally, I don’t earn that much because I only work around 2 to 4 hours per day.  But if you will work for 8 hours a day for 5 days a week, you can earn around 20– 25 thousand pesos a month.   I’ve seen advertisements that claim 70-80K a month but I hardly think that is possible unless you’re working 24/7 or have been working for them for several years.  Still, the much more reasonable range of 20-25K a month is already decent enough to cover basic living expenses.  Consider also that you save on transportation, food, and clothing expenses when you work from home.

Your salary will also depend on your booked classes.  When you start, you may not have as many bookings yet. If you have exceptional teaching skills, you’ll soon have students regularly booking your classes.  Peak hours are during the afternoon and evening, so if you want to have more classes booked, open slots from 5pm – 12mn.

TW salary range

The Salary Range above is the starting salary for new teachers and does not include incentives.  On an average, incentives amount to 1K – 5K/month depending on your performance.  Again, your salary will depend on the number of classes booked.

What is the application process?

Generally, there will be an online English proficiency test that you will have to pass. After passing this test, you will be scheduled for an interview both through phone and Skype.  After passing the interview and the technical requirements, you will then have to conduct a demo lesson.

TE application

For more information about the requirements and application process, you may check their websites:

 

Which one did I choose?

Among those three companies, I opted to work for ABC360 which is where Mommy Mitch works and which also offered me the highest basic hourly rate.  I’ve been working for them since October and have been having a great time.  As I mentioned though, I don’t earn much because I only work a few hours each day but I greatly enjoy my time talking with my students.  Teaching English online has become my way of de-stressing after running the household all day. 🙂 If you also intend to apply at ABC360, kindly put 5407 in the referral tab. I’d get a referral bonus if you do and would be grateful for that! 🙂

You can read more about my experience at ABC360 in my next post. 🙂

ABC360 with kids